The policy
State, annual payroll, and current workers’ comp cost.
Workers' compensation
A claim is affecting what you pay. This finds out how much.
A claim can follow a business through its experience modification for years after the incident itself is closed. Whether that is happening to you is a question your own figures can answer.
No promise that a claim can be changed, and no promise of a saving. The figures either show it or they do not.
The problem
A closed claim can still be in the price.
The experience modification is a comparison between your claim history and the expected losses for your class of work. A claim inside the rating period continues to affect it after the file is closed. What a claim is doing to your cost is visible in the figures, and what can be done about it is a professional question.
- Your experience modification rose after a claim
- You are paying for a claim you believe was not fair
- The claim is closed but the cost has not come back down
Your starting point
Put the claim next to the figures it affects.
Comp Check reads your experience modification and your cost together, which is where a claim shows up.
The rating
Your experience modification now and the year before.
The evidence
Loss runs for recent policy years, which the broker reads after the check.
The next decision
You find out whether the claim is in your price.
The broker determines what can actually be done about it. That requires professional judgment, market access, and the documents, not a calculator.
Run Comp Check